10 Best Subscription Billing Software of 2026

This list is for SaaS and subscription businesses choosing a billing system and trying to compare tools that charge a flat monthly fee, a percentage of revenue, or both. We compared documented features and published prices, and every price shown as verified was copied from the vendor's own pricing page. Rankozo weights value at 40%, features at 35% and ease of use at 25%, so tools with low entry costs and solid feature sets rank above expensive enterprise suites.

1. 01Top value

   

   Stripe Billing

   8.8/10

   Stripe's recurring billing product for subscriptions, invoices and metered usage, priced as a share of billing volume.

   Price

   Freeper month, plus 0.7% of billing volume

   Pay as you go: no monthly fee, 0.7% of billing volume, plus Stripe Payments processing fees

   “Pay as you go Only pay for what you use, with no recurring fees. Best for low or unpredictable volume. 0.7% of Billing volume” Quoted from the pricing page, November 9, 2026.

   Free plan

   Yes

   Value (40%)

   9.0

   Features (35%)

   8.8

   Ease of use (25%)

   8.5

   Best forSaaS companies already taking payments on Stripe that want billing with no monthly fee.

   Stripe Billing ranks first because its pay-as-you-go plan has no recurring fee: you pay 0.7% of billing volume and nothing else for the billing layer. That makes it the cheapest way for an early SaaS company to start, and the fee only grows as revenue does. The feature set covers the core of subscription billing: plans set up in the Dashboard or through Payment Links and Checkout, automatic reminders for overdue payments, Smart Retries for failed cards, up to three recovery automations, quotes, multi-phase subscription schedules and a Stripe-hosted customer portal. Basic usage billing runs through the Meters API with up to 100M events a month included. The catch is that the 0.7% sits on top of Stripe's card processing fees, and the portal costs US$10 a month on a custom domain. Companies with complex negotiated usage contracts are pointed to Metronome, which Stripe sells separately. Higher-volume businesses can switch to an annual subscription tier, which Stripe prices on a sliding scale.

   • ✓No platform fee, so cost scales directly with revenue
   • ✓Meters API includes up to 100M usage events per month
   • ✓Dunning reminders, retries and a customer portal are all included

   • ✕Card processing is charged on top of the 0.7% billing fee
   • ✕A custom domain for the customer portal costs US$10 per month
   • ✕Advanced usage contracts move to Metronome, a separate Stripe product

   Platform fee:

   None on pay as you go

   Billing fee:

   0.7% of billing volume

   Usage events:

   Up to 100M per month included

   Custom portal domain:

   US$10 per month

   Bottom line: The best starting point for most Stripe-based SaaS businesses, with no monthly fee and the essentials included. Watch the combined cost of the 0.7% billing fee and card processing as volume grows.

   Visit stripe.com ↗

2. 02

   

   Chargebee

   8.7/10

   A subscription billing and revenue platform with a Flow plan priced as a percentage of invoicing volume, with or without a base fee.

   Price

   Customper month plus 0.80% of invoicing volume

   Flow plan at $0 per month plus 0.80% of invoicing volume, or $99 per month plus 0.65%

   “$0 + 0.80% $99 + 0.65%” Quoted from the pricing page, November 9, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   9.0

   Ease of use (25%)

   8.0

   Best forSubscription businesses that want a dedicated billing system with dunning, a price book and many payment gateways.

   Chargebee is the strongest dedicated billing platform for the price. Its Flow plan offers two options: $0 a month plus 0.80% of invoicing volume, or $99 a month plus 0.65%, and Chargebee's own calculator puts the breakeven at $66K of monthly invoicing. Flow includes a price book and invoicing, usage ingestion with 100M events a month, real-time usage limits and alerts, usage and revenue analytics, pricing tables with one growth experiment, and CRM and ERP integrations. Chargebee also connects to 40+ payment gateways, so you are not tied to one processor the way you are with Stripe Billing. Offline invoicing, calendar billing, advance invoices, credit notes and coupons are all listed in the Flow feature table. Enterprise adds multi-entity management, account hierarchies, contract terms and up to 500M usage events. Revenue recognition is a separate product with prices on request, which matters for finance teams that need GAAP reporting. For most growing SaaS teams, Flow is a fair price for a full billing system.

   • ✓Two Flow pricing options let you pick percentage only or a lower rate with a $99 base
   • ✓Works with 40+ payment gateways
   • ✓Clear upgrade path to Enterprise with multi-entity and account hierarchies

   • ✕Revenue recognition (RevRec Performance) is priced on request
   • ✕The percentage fee can outgrow a flat-fee tool at high volume
   • ✕Multi-entity management and contract terms need the Enterprise plan

   Flow pricing:

   $0 + 0.80% or $99 + 0.65%

   Breakeven between options:

   $66K monthly invoicing

   Payment gateways:

   40+

   Usage events on Flow:

   100M per month

   Bottom line: A full billing system with a zero-base-fee option and wide gateway support. Compare the two Flow options against your monthly invoicing before you sign up.

   Visit chargebee.com ↗

3. 03

   

   Zoho Billing

   8.4/10

   Zoho's billing app for quotes, invoices and subscriptions, priced per organization at a flat monthly fee.

   Price

   $79per organization per month

   Premium (first plan with subscription billing) $79 per organization per month billed annually, $100 monthly; Standard $39 for one-time billing

   “Premium $100 $100 $79 per Organization per Month per Organization per Month (Billed annually) Best suited for businesses with one time and subscription billing requirements” Quoted from the pricing page, November 9, 2026.

   Free plan

   No

   Free trial

   14 days

   Value (40%)

   8.8

   Features (35%)

   8.0

   Ease of use (25%)

   8.4

   Best forSmall subscription businesses that prefer a flat monthly fee to a revenue percentage.

   Zoho Billing is the best flat-fee option on the list. Instead of taking a share of revenue, it charges per organization: Premium, the first plan that manages subscriptions, is $79 a month billed annually or $100 billed monthly. Premium covers subscription billing with proration, hosted payment pages, usage-based billing, dunning for failed payments, in-app purchase management, abandoned cart reminders and up to 10 users. The cheaper Standard plan, $39 a month billed annually, is limited to one-time billing with quotes and invoices, so subscription businesses should price Premium. The limits are the main thing to check. Zoho says Standard and Premium allow up to 100,000 invoices a year and total billed revenue of no more than $1M, after which you need to contact support for a custom arrangement. A 14-day free trial is available on the paid plans. For a business billing $20K a month, a flat $79 is well below what any percentage-based tool on this list would charge.

   • ✓Flat fee with no percentage of revenue
   • ✓Premium includes up to 10 users
   • ✓14-day free trial

   • ✕Standard at $39 handles only one-time billing, so subscriptions start at $79
   • ✕Standard and Premium cap annual billed revenue at $1M
   • ✕Invoices capped at 100,000 per year on Standard and Premium

   Subscription plan:

   Premium, $79 per org per month billed annually

   Users on Premium:

   Up to 10

   Revenue cap:

   $1M billed per year on Standard and Premium

   Free trial:

   14 days

   Bottom line: The cheapest way to run subscriptions at a fixed cost while revenue stays under $1M a year. Larger companies will hit the revenue cap.

   Visit zoho.com ↗

4. 04

   

   Paddle

   8.2/10

   A merchant of record that sells your software on your behalf and bundles billing, payments, tax and fraud handling into one fee.

   Price

   Freeper month, plus 5% + 50¢ per transaction

   No monthly fee; 5% + 50¢ per Checkout transaction, covering payments, billing and global tax compliance

   “No monthly fees, migration fees, or hidden extras 5% + 50¢ per Checkout transaction” Quoted from the pricing page, November 9, 2026.

   Free plan

   Yes

   Value (40%)

   8.0

   Features (35%)

   8.3

   Ease of use (25%)

   8.5

   Best forSoftware companies selling internationally that want sales tax and VAT handled for them.

   Paddle takes a different approach from the billing tools above it: it acts as your merchant of record, so it is the legal seller and takes on sales tax, VAT, fraud and buyer support. The price is 5% + 50¢ per Checkout transaction with no monthly fees, migration fees or hidden extras. That fee includes payments, so compare it with Stripe Billing or Chargebee plus card processing plus a tax tool, not with the billing fee alone. Paddle includes embeddable branded checkout, subscription management, multiple currencies and payment options, invoicing, fraud protection and free real-time subscription metrics. For a small team selling software in dozens of countries, removing tax registration and filing work is often worth the higher rate. The tradeoff is control: your customers buy from Paddle, and high-volume or low-value transaction pricing is set through sales. Companies that already handle tax in-house or sell mostly domestically will usually pay less elsewhere.

   • ✓One all-inclusive fee instead of separate tax and payments bills
   • ✓No monthly, migration or hidden fees
   • ✓Subscription metrics included at no cost

   • ✕5% + 50¢ is higher than billing-only tools if you handle tax yourself
   • ✕Paddle, not you, is the seller of record to your customers
   • ✕Custom pricing for high volume requires a sales call

   Fee:

   5% + 50¢ per Checkout transaction

   Monthly fee:

   None

   Model:

   Merchant of record

   Metrics:

   Real-time subscription analytics, free

   Bottom line: The simplest way to sell software globally without registering for sales tax and VAT yourself. Domestic sellers pay more than they need to.

   Visit paddle.com ↗

5. 05

   

   Lago

   8.0/10

   An open-source metering and usage-based billing platform you can self-host or run as Lago Cloud.

   Price

   Free plan

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   Yes

   Value (40%)

   8.6

   Features (35%)

   8.2

   Ease of use (25%)

   6.8

   Best forEngineering-led companies with usage or AI pricing that want to self-host their billing engine.

   Lago is the pick for teams that want to own their billing infrastructure. Its billing engine is open source under the AGPL-3.0 license on GitHub, and Lago says it can be deployed on-prem, in a VPC or elsewhere, with Lago Cloud as the managed option. The product is built around usage: real-time event ingestion, billable metrics, usage alerts, prepaid credits with wallet alerts, entitlements, plan overrides per client and custom pricing units, which suits AI products billing for tokens, GPUs or API calls. Invoicing covers invoice generation, credit notes, grace periods and an invoice preview endpoint, and developers get a REST API, a CLI and an MCP server. The downside is cost visibility: Lago Cloud and Lago Premium prices are not published, and features such as automatic dunning and progressive billing are listed as add-ons. Self-hosting also moves the operational work onto your team. We scored value on the open-source option and will add a verified price once Lago publishes one.

   • ✓Source code published under the AGPL-3.0 license
   • ✓Can run on-prem or in your own VPC
   • ✓Built for token, compute and API call pricing

   • ✕No published prices for Lago Cloud or Premium
   • ✕Self-hosting needs engineering time to run
   • ✕Dunning and progressive billing are listed as add-ons

   License:

   AGPL-3.0

   Deployment:

   Lago Cloud or self-hosted

   Premium pricing:

   Contact sales

   Developer tools:

   REST API, CLI, MCP server

   Bottom line: The strongest open-source choice for usage-heavy billing, if you have engineers to run it. Ask sales for Cloud pricing before comparing it with hosted tools.

   Visit getlago.com ↗

6. 06

   

   Lemon Squeezy

   7.9/10

   A merchant of record for digital products and software, with subscriptions, license keys and checkout for one per-sale fee.

   Price

   Freeper month, plus 5% + 50¢ per transaction

   No monthly fee; 5% + 50¢ per transaction, with email marketing free up to 500 subscribers

   “There is no monthly fee to use Lemon Squeezy for payment processing.” Quoted from the pricing page, November 9, 2026.

   Free plan

   Yes

   Value (40%)

   8.0

   Features (35%)

   7.0

   Ease of use (25%)

   9.0

   Best forSolo makers and small teams selling software, licenses or downloads.

   Lemon Squeezy is the easiest tool on this list to start with. There is no monthly fee for payment processing, and each sale costs 5% + 50¢, with Lemon Squeezy saying every feature is included. Subscriptions can renew weekly, monthly or yearly, with upgrades, downgrades, cancellations, free trials and discounts. What sets it apart for software sellers is the extras: automatic license key issuing and deactivation, signed and throttled download links, no-code checkout forms you can embed or share, and a simple storefront. Sales tax compliance and fraud protection are part of the fee, as with Paddle. Email marketing is free for up to 500 subscribers. The limits are scope and fees. It is designed for digital products, so it lacks the contract terms, account hierarchies and revenue recognition that B2B SaaS finance teams expect, and Lemon Squeezy notes that some payments may carry additional fees. Volume pricing is available on request.

   • ✓Every feature is included at no monthly cost
   • ✓License keys and downloads are built in
   • ✓Email marketing free for up to 500 subscribers

   • ✕Aimed at digital products rather than complex B2B contracts
   • ✕Same 5% + 50¢ rate as Paddle, and some payments carry extra fees
   • ✕Volume pricing requires contacting the company

   Fee:

   5% + 50¢ per transaction

   Monthly fee:

   None

   Email marketing:

   Free up to 500 subscribers

   Billing cycles:

   Weekly, monthly, yearly

   Bottom line: The fastest way for a solo maker to sell subscriptions and licenses with tax handled. B2B SaaS teams will outgrow it.

   Visit lemonsqueezy.com ↗

7. 07

   

   Orb

   7.8/10

   A usage-based billing platform priced through prepaid credits, built for companies with metered and hybrid pricing.

   Price

   Customper credit

   Business plan at $6.00 per credit, with volume discounts; Orb says one credit works out to 0.60% of billing volume plus metered dimensions

   “Everything you need to launch and scale usage-based billing, priced by the credit $6.00 per credit, or less with volume discounts” Quoted from the pricing page, November 9, 2026.

   Free plan

   No

   Value (40%)

   7.4

   Features (35%)

   8.7

   Ease of use (25%)

   7.2

   Best forHigh-growth software companies with complex usage pricing.

   Orb is built for usage-based pricing and is priced in credits. On the Business plan a credit costs $6.00, with volume discounts, and Orb says one credit works out to 0.60% of billing volume plus event ingestion and other metered dimensions. Business includes real-time event ingestion and alerting, hybrid and usage-based billing, Orb Invoicing with A/R aging, Adyen and Stripe payment integrations, automated price changes, and finance and tax integrations. The product is strongest at changing prices safely: plan versions let you migrate customers on your own schedule, simulations model the effect of a pricing change, and prepaid credits and allocations track drawdown in real time. The cost is harder to predict than a flat fee because ingestion also consumes credits, and Enterprise is needed for customer hierarchies, collections automation, NetSuite and Salesforce integrations and a 99.9% availability SLA. Orb suits companies whose pricing changes often and where billing errors are expensive.

   • ✓Strong tooling for testing and migrating price changes
   • ✓Adyen and Stripe payment integrations on Business
   • ✓Prepaid credits, allocations and drawdown tracking

   • ✕Credit-based pricing is harder to forecast than a flat fee
   • ✕NetSuite and Salesforce integrations need Enterprise
   • ✕Event ingestion consumes credits on top of billing volume

   Business plan:

   $6.00 per credit

   Credit cost:

   About 0.60% of billing volume plus metered dimensions

   Payments:

   Adyen and Stripe

   Enterprise SLA:

   99.9% availability

   Bottom line: Excellent for complex usage pricing and frequent price changes. Smaller teams will find the credit model hard to budget.

   Visit withorb.com ↗

8. 08

   

   Recurly

   7.8/10

   A subscription management and billing platform with a Starter plan that combines a flat fee and a share of billing volume.

   Price

   $249per month plus 0.9% of billing volume

   Starter $249 per month plus 0.9% of billing volume, with the first $40K of billings each month included

   “$ 249 per month + 0.9% of billing volume (first $40K of billings included at no charge each month)” Quoted from the pricing page, November 9, 2026.

   Free plan

   No

   Free trial

   90 days

   Value (40%)

   7.2

   Features (35%)

   8.6

   Ease of use (25%)

   7.8

   Best forSubscription businesses with steady volume that want churn tools and many gateways.

   Recurly combines a flat fee and a percentage. Its Starter plan costs $249 a month plus 0.9% of billing volume, but the first $40K of billings each month carry no percentage charge, so a company billing $40K pays $249 in total. Starter includes automated global subscription billing, flexible plans and pricing, static churn-prevention tools, one dunning campaign, 10+ payment methods and 20+ payment gateways, and Recurly offers a 90-day free trial. Recurly says its platform processes $12B in annual payment volume and supports 140+ currencies. The weaker points are the entry cost and the upgrade gate. For a company billing a few thousand dollars a month, $249 is far more than Stripe Billing or Chargebee Flow would charge. Recurly's AI-powered agents, analytics and intelligent churn-prevention tools are on All-Access, which requires a $1M billing volume minimum and custom pricing. Recurly fits best once revenue is steady and churn recovery matters.

   • ✓90-day free trial on Starter
   • ✓First $40K of monthly billings carry no percentage fee
   • ✓Recurly reports 140+ accepted currencies

   • ✕$249 base fee is high for very small companies
   • ✕Starter includes only one dunning campaign
   • ✕AI-powered churn tools need All-Access, which has a $1M billing volume minimum

   Starter:

   $249 per month + 0.9% of billing volume

   Included billings:

   First $40K per month

   Free trial:

   90 days

   Currencies:

   140+

   Bottom line: A capable platform with a long trial and $40K of monthly billings included. Too expensive for the smallest companies.

   Visit recurly.com ↗

9. 09

   

   Maxio

   7.5/10

   A B2B billing, revenue recognition and SaaS finance platform with a flat-fee Grow plan.

   Price

   $599per month

   Grow $599 per month for up to $100K in monthly billings; Scale on quote

   “Up to $100k in monthly billings Grow – $599 / month” Quoted from the pricing page, November 9, 2026.

   Free plan

   No

   Value (40%)

   6.6

   Features (35%)

   8.5

   Ease of use (25%)

   7.4

   Best forB2B SaaS companies that want billing and revenue recognition in one finance tool.

   Maxio is aimed at B2B SaaS finance teams rather than founders setting up their first plan. Its Grow plan costs $599 a month for businesses with up to $100K in monthly billings, and Scale is quoted for anything larger. That flat fee buys more finance depth than most tools here: fixed, usage-based and milestone billing, e-invoicing, proforma and consolidated invoices, customer hierarchies, contract terms, renewal management, and revenue recognition with scheduled, recognized and deferred revenue. One-click financial reports and A/R management come in standard and advanced versions depending on plan. The drawbacks are price and access. At $599 it is the most expensive published entry plan on the list, and even Grow is sold through a demo, so you cannot sign up and try it the way you can with Stripe Billing or Chargebee. It makes the most sense for a company near $100K in monthly billings that would otherwise pay for a separate revenue recognition tool.

   • ✓Flat fee with no revenue percentage up to $100K a month
   • ✓Revenue recognition included, not sold separately
   • ✓Detailed financial reporting for SaaS metrics

   • ✕$599 a month is the highest published entry price here
   • ✕Grow requires a demo rather than self-serve signup
   • ✕Above $100K in monthly billings you need a Scale quote

   Grow:

   $599 per month

   Grow limit:

   Up to $100K in monthly billings

   Scale:

   Quote, over $100K monthly billings

   Revenue recognition:

   Included, standard or advanced

   Bottom line: A finance-first platform that bundles billing and revenue recognition for a flat fee. Overkill for early-stage companies.

   Visit maxio.com ↗

10. 10

    

    Zuora

    7.2/10

    An enterprise subscription billing and revenue platform with a dynamic pricing catalog, sold through sales.

    Price

    Check price

    See vendor pricing (USD check pending)

    US price check pending. Vendor pricing page

    Free plan

    No

    Value (40%)

    6.0

    Features (35%)

    9.2

    Ease of use (25%)

    6.4

    Best forLarge enterprises with complex contracts, many channels and dedicated billing teams.

    Zuora has the deepest pricing model support on this list, which is why its features score is highest even though it ranks last overall. Its catalog supports flat fee, per unit, tiered and volume pricing, overage and high-water marks, overage smoothing, prepaid drawdown, minimum commitment true-ups, multi-attribute pricing and formula-based rules. Billing can run monthly, annually or on custom schedules, trigger on activation, shipment or usage thresholds, and invoice in advance or in arrears with subscriptions combined or separate. The same catalog feeds CPQ quotes, self-service ecommerce and partner APIs, so pricing stays consistent across channels. The ranking reflects cost and effort. Zuora publishes no prices, so every deal goes through sales, and its depth comes with an implementation burden that small SaaS companies do not need. We marked value conservatively and will update it once a verified price is available. Choose Zuora when your contracts are complex enough that simpler tools need workarounds.

    • ✓Handles almost any pricing model, including overage smoothing and high-water marks
    • ✓Invoices in advance or in arrears, combined or separate
    • ✓One catalog across sales, ecommerce and partner channels

    • ✕No published prices
    • ✕Built for enterprise teams, so setup is heavy for small companies
    • ✕External rating means you may still rate some usage yourself

    Pricing:

    Not published, contact sales

    Pricing models:

    Flat, per unit, tiered, volume, overage and more

    Commitments:

    Prepaid drawdown and minimum commitments

    Channels:

    CPQ, self-service and partner APIs

    Bottom line: The most flexible pricing engine we compared, aimed squarely at enterprises. Small and midsize SaaS teams will get more value elsewhere.

    Visit zuora.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.